• €50 and €100 are the most frequently resolved amounts of money
  • Men are more "nocturnal" than women, Friday is the most popular day to withdraw money
  • The older the customer, the higher the amount withdrawn
  • Since 2008: Number of ATMs up by almost 25%
  • “klar”: Digital banking app users with a better overview of their own spending behavior

VIENNA, Austria - August 19, 2019 – It is well known that Austrians' love of cash is strong, but less well known is the individual behaviour of Austrians at ATMs: As an analysis of all ATM withdrawals made by BAWAG P.S.K. customers in the previous year shows, there are major gender- and age-specific differences that manifest themselves not only in the number and amount of ATM withdrawals but also in the timing of withdrawals. On average, 33 times a year a customer makes withdrawals at ATMs, 57% of all withdrawals are worth €100 or less. In general, the most frequent withdrawals are €50 and €100 (12.5% each), closely followed by €400 (10%).

Men are more "nocturnal" than women, go to ATMs more often and withdraw more

The higher the age of the customer, the higher the value of the withdrawal. While Austrians in their 20s and 30s most often withdraw €50 from ATMs, this amount rises to €100 for 40 to 60 year olds and €400 for over 60 year olds. In addition to age, there are also gender-specific differences: men go to ATMs an average of 35 times, therefore more often than women (30 times). The average amount withdrawn is slightly higher for men than for women (€175 vs. €170), and men are more likely to withdraw at weekends than women. Women withdraw money between 07:00 and 17:00 more frequently than men, while the latter are more "nocturnal" - and thus go to ATMs more often between 17:00 and 07:00 than women. By the way: Most withdrawals take place on Friday (18%), the fewest on Sunday (7%).

More cash dispensers than 10 years ago, more cashless payment options

As OeNB figures show, Austrians generally have more cash dispensers at their disposal to withdraw cash than they did 10 years ago: The number of cash dispensing machines in Austria has risen by almost a quarter since 2008, from 7,052 to 8,773 in 2018. In addition, customers have more and more options for cashless payments at their disposal - about two card transactions are carried out every second. "The payment options have also increased bank customers' need for a transparent overview of their own financial life that can be checked at any time. Our discussions with customers in the run-up to the development of our new digital banking platform have clearly shown this. We reacted to this and developed the Personal Finance Manager "Klarsehen", which is already available to users of our new digital banking app," explains Markus Gremmel, Head of Marketing and Product Management at BAWAG P.S.K. The Personal Finance Manager shows the customer's individual expenses clearly broken down into categories. klar users can also define monthly budgets and thus receive information on savings potential in the individual categories. Card management has also become more flexible and simpler with klar: The new digital banking app displays everything from the Ös collected so far at the jö Bonusclub to the account balance or credit card transactions. In addition, users can block and unblock cards themselves if they have misplaced them at short notice.


Manfred Rapolter (Head of Communications, Spokesperson)
Tel: +43 (0) 5 99 05-31210

Henriette Mußnig
(Press Officer) 
Tel: +43 (0) 5 99 05-32086

Doris Unterrainer
(Communications Specialist)
Tel: +43 (0) 5 99 05-32084

Press release (PDF)